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EVIDENCE / METHODS / CORRECTIONS

Show the work.

An important number should come with a year, a population and a source. A missing number should stay missing.

Key figures, named

These figures answer different questions. Each has one name on this site, and none of them is called “the gap.” All use the opening case: the posted Math PhD stipend, two nine-credit Natural Sciences & Mathematics terms, and the university student health plan with no employer share.

Headline metrics and what each one measures
NameValueCalculation
Fee share10.8%$1,889.10 recurring fees ÷ $17,500.00 gross stipend
Take-back share (fees + health plan)25.7%($1,889.10 + $2,600.00 premium) ÷ $17,500.00
Cash after fees and premium$13,010.90Gross − fees − premium. Before parking, taxes and living costs. The UToledo side of the Michigan State comparison.
Left to live on (receipt)$12,129.40Gross − fees − premium − $304.00 parking − $577.50 modeled taxes. Before living costs.
Budget shortfall (gross)$7,122$24,622 non-tuition budget − $17,500 gross stipend. Not added to fees or premiums: possible overlap with the budget’s personal and transportation allowances is unresolved.
Housing and food over stipend$740$18,240 housing and food allowance − $17,500
Fees + premium, scenario cost$2,244,550–$5,162,465$4,489.10 × 500–1150 assumed assistants; 0.19%–0.43% of the announced plan

Retired label: an earlier receipt stamp compared the after-tax balance with the living-expense subtotal. Because premiums or parking may overlap that budget’s categories, the site no longer publishes that comparison as a headline.

The opening example

$17,500 is the starting doctoral stipend currently displayed by Mathematics and Statistics. The nearby funding paragraph references 2024–25. We use that displayed amount as an illustration, not as a verified 2026–27 department minimum, an average or a university-wide rate.

At nine credits in each of fall and spring, the 2026–27 schedule yields the following recurring charges. A tuition scholarship is assumed to cover the instructional and out-of-state tuition covered by the standard benefit.

Illustrative Natural Sciences & Mathematics fees, fall + spring
ChargeTwo-term amount
General fee$1,071.90
Graduate miscellaneous service fee$322.20
College technology fee$234.00
Natural Sciences & Mathematics course fee$261.00
Total$1,889.10

Cash after these fees = $17,500.00 − $1,889.10 = $15,610.90. Fee share = recurring fees ÷ gross stipend = 10.79%. Insurance, parking, optional charges, penalties and taxes are excluded from this particular comparison.

Calculator coverage and limits

The calculator uses 2026–27 fall/spring rates, checked 2026-10-03. Each credit cap applies separately to each term. College rules assume all selected credits attract that college’s fees. Mixed-college, summer, medical and certain professional-program calculations require further mapping.

Published per-credit fee rules
Fee / collegePer creditTerm cap
General fee$59.5512 credits
Graduate miscellaneous service fee$17.9012 credits
Natural Sciences & Mathematics: College technology fee$13.00No cap
Natural Sciences & Mathematics: Natural Sciences & Mathematics course fee$14.50No cap
Arts, Social Sciences & Education: College technology fee$9.00No cap
Business & Innovation: College technology fee$13.00No cap
Engineering: College technology fee$17.50No cap
Engineering: Engineering infrastructure fee$25.0012 credits
Health & Human Services: College technology fee$12.00No cap
Pharmacy & Pharmaceutical Sciences (MS/PhD): College technology fee$5.70No cap
University College: College technology fee$4.50No cap
Nursing (needs program verification): College technology fee$13.00No cap

Nursing’s technology rate is known but the additional upper-division fee’s graduate-program applicability is not resolved. Unsupported selections show known lines only and suppress the total. Additional course charges, special programs, individual remissions and mixed-college registrations can change a bill.

Health premiums use the selected terms; spring includes summer insurance coverage. Optional and first-term charges are opt-in. Zero in an unselected cost category means “not selected in this scenario,” not “this institution charges nothing.” Blank manual tax, alternative premium and tuition-remission fields remain unknown. The opening example selects parking and the illustrative tax mode; both can be changed. No input is sent to a server or placed in the URL.

Amounts are rounded to cents at each term/fee line. Changing the appointment period does not prorate your entered stipend or custom charges: enter amounts for the selected period. Taxes can use the bounded illustration below, a manual override, or be excluded. The calculator does not estimate payroll withholding, retirement contributions or the tax treatment of benefits.

An optional tax illustration, with boundaries

The example treats the entire entered stipend as one calendar year’s wages using tax-year 2026 rules. A fall/spring appointment generally crosses tax years; this is a rate illustration of the stipend level, not an allocation of an actual appointment’s income or a prediction of a refund.

Single US tax resident, under 65, not a dependent; only the entered stipend is wage income. Federal standard deduction: $16,100. Apply marginal federal brackets to wages above that deduction. Toledo tax: 2.5% of all entered wages, assuming Toledo-taxable earnings. Ohio tax is zero only within this model’s conservative supported range, entered wages ≤ $26,050; above it the state component remains unknown, even though federal and city components can be displayed.

Assumes eligible student FICA exception and no retirement deduction. No other income, credits, treaty benefits, taxable tuition, dependents, or health-care deductions modeled. Above the Ohio zero-tax threshold, the state component is unresolved. International/nonresident status, treaties, additional jobs, retirement participation, age, dependence, credits and deductions can materially change the result. This is not personal tax advice or a payroll withholding estimate.

Opening illustration: federal $140.00 + Ohio $0.00 + Toledo $437.50 = $577.50. After scheduled fees, premium, parking and this tax illustration: $12,129.40. A monthly display divides that cash by twelve; it does not assume summer pay.

A manual estimate replaces the entire tax illustration; a blank is unknown and an explicit zero is accepted. Excluding taxes shows a before-tax result, not a finding of zero tax owed.

Evidence IRS: tax-year 2026 adjustmentsOhio income-tax statuteCity of Toledo tax questionsIRS: student exception to FICA

One calculation, several ways to see it

The opening receipt, calculator, waterfall, budget bars and labor chart all consume the shared fee and cash model. The waterfall subtracts each selected cost once. References show the full non-tuition benchmark, the narrower living-expense subtotal without books, and housing/food alone. Annual references are removed for single-term appointments; no unverified prorating is performed.

Labor equivalent = cost ÷ gross stipend × hours. The opening schedule assumes twenty hours/week and sixteen weeks/term, giving 640 hours for fall and spring. The first 69.1 hours correspond to recurring fees. This cash equivalent excludes tuition remission and is not an asserted hourly wage. Users can adjust hours and weeks. Unknown costs or a zero stipend suppress the labor equivalent; costs beyond pay are identified rather than capped as though affordable.

Scale estimates, not invented headcounts

Fee scenario assumes every modeled assistant takes nine NSM credits each term with no existing remission. Health scenario assumes every modeled assistant needs the full university premium with no existing contribution. Neither is an audited cost estimate. Consolidated financial plan is not unrestricted academic spending.

Hypothetical annual costs for 500–1150 eligible assistants
PolicyPer assistantAnnual scenario rangeShare of announced plan
Opening NSM recurring fees$1,889.10$944,550–$2,172,4650.08%–0.18%
Full individual premium$2,600.00$1,300,000–$2,990,0000.11%–0.25%

The denominator is the approximately $1.2 billion announced FY2026–27 financial plan. It communicates scale, not unrestricted money available to spend: clinical, restricted and committed funds cannot automatically be redirected. These scenarios are not estimates from audited GA counts. Existing remissions, insurance waivers and contributions could reduce new cost; differing programs and enrollment change fees.

Disclosure, payment timing, parking arrangements and training standards are administrative policy demands. No new recurring stipend or benefit expenditure is specified for them, but staff time, forgone penalties and staffing consequences are not quantified. They are not advertised as literally zero-cost.

A real stipend-floor appropriation requires the sum, across eligible appointments, of the positive difference between each period-matched benchmark and each current stipend. Headcounts and distributions are not verified; the site does not publish a university-wide total.

Evidence UToledo graduate tuition and feesUToledo trustees endorse 2026–27 budgetUToledo graduate tuition and funding

Define the floor. Adjust it automatically.

The campaign demand is a minimum cash stipend pegged to UToledo’s published non-tuition graduate cost of attendance for the relevant appointment period, with automatic adjustments as the benchmark changes.

Current illustrative fall/spring benchmark, off-campus graduate population
Housing and food$18,240
Personal expenses$2,633
Transportation$2,459
Books, supplies and equipment$1,290
Non-tuition benchmark$24,622

The first three items total $23,332. Adding books and supplies makes the full illustrated non-tuition benchmark $24,622. Tuition and fees separately remitted under the demands are excluded, and remission is never added to cash pay. Any required non-tuition cost left uncovered must remain visible rather than disappear from the funding assessment.

The benchmark is a planning estimate, not a claim that everyone has identical expenses. The source is headed 2026–27 but retains a sentence saying those estimates will be posted when available. Until clarified, our evidence status is Moderate. We do not halve it for one-term appointments or extrapolate it to summer without a matching published budget.

The recurring-fee gap and the gross-stipend gap answer different questions. Living costs are not subtracted in the calculator’s cash breakdown and then subtracted again. Insurance premiums, medical expenses and parking should not simply be stacked onto cost-of-attendance components without checking overlap. Individual dependent-care, disability and other budget adjustments need their own evidence.

Compare the scope, not just the number

Selected peers illustrate fee and benefit policies. They are not a ranking, and missing residual fees are not zero. The MSU annual equivalent is $1,162 × (9.857 + 9.643) approximate pay periods = $22,659. This is a 2026–27 Level 1 half-time teaching-assistant minimum equivalent, not an individual payment guarantee. For the scoped MSU receipt, the published student-voted charges total $47.00 across two terms (COGS, FM radio and State News, regular nonmedical graduate enrollment of at least six credits/term, before optional refunds). The contract waives covered university fees. Parking, income taxes, care costs and program-specific exceptions are outside this comparison. UToledo’s comparison balance likewise excludes parking and income taxes. This is not a universal after-cost total for every assistant.

Assistantship-work positions (DEM-005) are campaign standards. We do not infer how common a particular assignment is from one person’s experience. Historical outcomes retain their original dates. The Indiana announcement verifies a policy change but does not, alone, establish causation by a particular tactic. Colorado State documents a staged fee-coverage plan. These sources support achievable policy examples without treating different institutions as interchangeable.

The source register

Strong: current primary evidence or arithmetic from it. Moderate: dated, partial or assumption-dependent primary evidence. Research reports and unverified leads inform further investigation; they are not published as verified claims.

Year / period
Tax year 2026
Population
Single taxpayers
Where to look
Standard deductions; marginal rates
Last verified

Federal illustration assumes under 65, not a dependent, only wage income and no credits.

Year / period
Tax year 2026
Population
Ohio income-tax filers
Where to look
Division A: zero-tax threshold and 2026 rates
Last verified

Automatic illustration covers only wages at or below the zero-tax threshold; exemption indexing above that bound is not modeled.

Year / period
Current municipal rate
Population
Income earned in Toledo
Where to look
What is the city tax rate?
Last verified

Illustration assumes all entered stipend is Toledo-taxable earned income; individual residency/credits may differ.

Year / period
Current rule
Population
Eligible student employees
Where to look
Student exception
Last verified

Eligibility depends on the employment/education relationship. The illustration assumes eligibility; it is not universal.

Year / period
2026–27
Population
Qualifying assistantship/fellowship recipients with required stipend and enrollment
Where to look
Eligibility; premium amounts
Last verified

Full individual premium award requires eligibility and annual application. Dependent coverage and care costs differ.

Year / period
2026–27
Population
Eligible Kent graduate assistants
Where to look
2026–27 premium / department / GA responsibility table
Last verified

Annual premium $3,032; department $2,122.40; GA $909.60, deriving 70% support. Prefer this year-specific table over the older graduate-aid summary's unresolved future wording.

Year / period
Current handbook
Population
Eligible graduate appointees receiving at least half the minimum stipend
Where to look
Health insurance
Last verified

60% student premium subsidy for eligible appointments; this corrects the research archive's older zero-support lead. Complete residual fees not verified.

Year / period
Version effective September 29, 2015; checked October 3, 2026
Population
Ohio public universities' graduate assistants
Where to look
Division C(11)
Last verified

Graduate assistants are excluded from this chapter's public-employee definition. A new version is flagged for October 9, 2026: recheck before later publication. The exclusion does not specify health or fee support.

Year / period
2026–27
Population
Regular nonmedical graduate students taking at least six credits each term
Where to look
Student taxes: COGS, FM radio, State News
Last verified

$11 + $5 + $7.50 per term, before optional refunds. Course/program exceptions are not a universal residual-fee total.

Year / period
2012–13 draft
Population
Graduate assistants
Where to look
Benefits section, printed page 32
Last verified

Describes tuition coverage without the older health co-payment description. Absence from this draft does not establish the subsidy's cessation date.

Year / period
February 2019
Population
Graduate Council insurance discussion
Where to look
Final questions / recommendations slide
Last verified

Raises automatic enrollment with an opt-out and plan changes; presentation proposals are not enacted policies.

Year / period
2021–22; presented May 2022
Population
GSA advocacy report
Where to look
Insurance, parking and stipend priorities
Last verified

Student representatives report ongoing work, not completed benefit changes.

Year / period
2022–23
Population
GSA report to Council
Where to look
Graduate Student Association report
Last verified

Reports affordability concerns and spring/summer premium billing; historical concerns are not today's prices.

Year / period
2022–23
Population
Council discussion with university leadership
Where to look
Insurance discussion
Last verified

Exploration of self-insured versus commercial options is not evidence of implementation.

Year / period
2023–24
Population
Graduate Council
Where to look
Resolution on graduate assistantship funding
Last verified

Resolution calls for continuity, transparency and reinvestment; it does not establish actual appropriations.

Year / period
2024–25
Population
College of Graduate Studies funding explanation
Where to look
Assistantship / IBB funding discussion
Last verified

Colleges fund assistantships; this meeting alone does not date the beginning of the budget model.

Year / period
2024–25
Population
Council discussion, including an Engineering representative
Where to look
Stipend concerns
Last verified

A representative reported flat stipends since 2018. This is attributed testimony in public minutes, not a university-wide payroll audit.

Year / period
Current recruiting page
Population
Prospective graduate assistants
Where to look
Opening assistantship description
Last verified

Describes service exchanged for tuition remission and a departmental stipend.

Year / period
Current policy page
Population
Full-time and part-time graduate assistants
Where to look
Enrollment requirements
Last verified

Minimum nine credits for full-time and six for part-time assistantships, with appointment exceptions. Enrollment and fee rules are distinct policies.

Year / period
Current policy page
Population
Teaching, research and administrative assistants
Where to look
Administrative assistantships
Last verified

Administrative duties are expected to provide learning tied to the degree or future professional role.

Year / period
Current recruiting page
Population
Up to two newly admitted doctoral fellows
Where to look
University Fellowships
Last verified

Fee waiver excludes Green Fund, legal services and parking. Existing targeted precedent, not a university-wide GA waiver.

Year / period
2026–27
Population
Faculty and staff
Where to look
Payroll deduction / pretax option
Last verified

Staff precedent does not establish GA eligibility under tax or employment rules.

Year / period
Fiscal year 2026–27
Population
University financial plan
Where to look
Opening budget announcement
Last verified

Approximately $1.2 billion announced financial plan. This is a scale denominator, not unrestricted academic operating funds.

Year / period
August 21, 2026
Population
Graduate student workers at SUNY state-operated campuses
Where to look
Completed four-year phase-out; CWA advocacy
Last verified

Official announcement reports average savings of $2,000 and explicitly credits union advocacy and legislative collaboration. Scope is not every SUNY student.

Year / period
2026–27
Population
50% appointments; nine- and twelve-month minima
Where to look
Minimum stipend table; living-expense benchmark
Last verified

Nine-month minimum $28,134; twelve-month $37,512. Based on graduate living-expense budget. No universal cost equivalence with Toledo.

Year / period
2025–26
Population
50% graduate appointments
Where to look
Minimum stipend and living-expense policy
Last verified

Nine-month minimum $26,496; historical starting point for the subsequent increase.

Year / period
Fall 2026
Population
GSA General Assembly
Where to look
General Assembly meeting schedule
Last verified

Lists date, time, room and a Microsoft Teams option. The December room is still to be determined.

Year / period
2026–27
Population
Board of Trustees and its committees
Where to look
December 2026, March 2027 and June 2027 cycles
Last verified

Committee meetings are listed as virtual; full Board meetings as in person and virtual.

Year / period
Recurring annual process
Population
University budget development
Where to look
Budget development guidelines
Last verified

Guidelines are typically sent in January for the fiscal year that begins in July. No exact 2027 date is published.

Year / period
February 2020
Population
Eligible Ohio University graduate appointees
Where to look
GSS proposals and fee buy-down
Last verified

Documents collaboration and incremental fee credits over three consecutive years, not elimination of all fees.

Year / period
2026–27
Population
Graduate students; program exceptions apply
Where to look
Graduate tuition; mandatory, optional, new-student and college program fee tables
Last verified

Fall and spring rates. Spring health coverage includes summer. Medical and professional programs have exceptions.

Year / period
Funding paragraph references 2024–25
Population
Starting doctoral students in Mathematics and Statistics
Where to look
Financial Aid Opportunities
Last verified

The currently displayed academic-year stipend is used as an illustration, not a verified 2026–27 minimum or a university-wide rate.

Year / period
Current page; updated January 2025
Population
UToledo graduate assistants
Where to look
Benefits, paragraphs 1–3
Last verified

The standard scholarship covers graduate instructional and out-of-state tuition charges. Individual awards may differ.

Year / period
Page headed 2026–27
Population
Off-campus graduate student, nine credits each fall and spring
Where to look
Graduate/Professional Students → Graduate Student → Off Campus
Last verified

The page also retains wording that 2026–27 estimates will be posted when available. These are the currently displayed planning allowances, not a verified final budget or a bill.

Year / period
Current handbook; updated September 2026
Population
Graduate associates appointed at least 50% full-time equivalent
Where to look
Fee Authorization; Health Insurance
Last verified

Full authorization includes instructional, general, nonresident and technology fees. Do not infer that every possible charge is covered.

Year / period
2024–28 contract
Population
Teaching assistants in the bargaining unit
Where to look
Articles 20–21 (PDF pages 37–40); Appendix A (PDF page 55)
Last verified

Fee waiver excludes student-voted taxes. Individual health premium coverage does not eliminate deductibles or other out-of-pocket care costs.

Year / period
2026–27
Population
Level 1, half-time teaching assistants
Where to look
Teaching Assistant 2026–27 table; approximate pay periods per semester
Last verified

Fall and spring equivalent calculated from the published biweekly minimum and approximate pay-period counts. Not an individual offer.

Year / period
2009–10
Population
Eligible university-funded graduate assistants; grant conditions apply
Where to look
Health Insurance Co-payments, printed pages 27–28 (PDF pages 31–32)
Last verified

Documents a historical subsidy and payroll deduction. Amount, cessation date and reason have not been established.

Year / period
2018–19
Population
Graduate Student Association presentation to Graduate Council
Where to look
Pages 2–3, Graduate Student Insurance Update
Last verified

Documents concerns raised about affordability, communication and lump-sum payment, not current insurance prices.

Year / period
2026–27
Population
Graduate Council Executive Committee priorities
Where to look
Priorities for the year
Last verified

Proposed stipend benchmarking committee and phased planning are not an enacted pay increase.

Year / period
2022–23 historical outcome
Population
Bloomington student academic appointees
Where to look
August 2, 2022 announcement, paragraphs 2–4
Last verified

Historical policy outcome, not a claim about current stipend levels. This announcement alone does not establish which organizing tactics caused the change.

Year / period
Spring 2023 through 2025–26
Population
Eligible contracted teaching, research and support graduate assistants
Where to look
Phase-in schedule and eligibility questions
Last verified

Fees are funded through other budgets; services remain available. Non-appointed and hourly students are excluded.

Quantitative claim records

These records expose the scope of the numbers used on the site. Calculated values consume the same shared data as the calculator.

Posted starting doctoral stipend

The Math and Statistics page currently displays this academic-year starting doctoral stipend.

Value
17500 USD per academic year
Year
Page funding paragraph references 2024–25
Population
Starting Mathematics and Statistics doctoral students
Period
Academic year; used here as a fall/spring illustration
Status / checked
Moderate / 2026-10-03

Not a verified university-wide or current-year minimum. No summer support assumed.

Evidence Mathematics and Statistics graduate programs
Opening tax illustration

Optional modeled federal, Ohio and Toledo components under explicit 2026 assumptions.

Value
577.5 USD; illustrative, not personalized liability
Year
Tax year 2026
Population
Single US tax resident, under 65, not a dependent; only the entered stipend is wage income
Period
Entered period's entire stipend treated as one calendar year's income; no calendar allocation
Status / checked
Moderate / 2026-10-03
Calculation
140 federal + 0 Ohio + 437.5 Toledo

Assumes eligible student FICA exception and no retirement deduction. No other income, credits, treaty benefits, taxable tuition, dependents, or health-care deductions modeled. Above the Ohio zero-tax threshold, the state component is unresolved.

Evidence IRS: tax-year 2026 adjustmentsOhio income-tax statuteCity of Toledo tax questionsIRS: student exception to FICA
MSU student-voted charges in the comparison

Two terms of listed COGS, FM and State News student taxes before optional refunds.

Value
47 USD
Year
2026–27
Population
Regular nonmedical graduate students taking at least six credits each term
Period
Fall and spring
Status / checked
Strong / 2026-10-03
Calculation
2 × (11 + 5 + 7.5)

Scoped regular nonmedical enrollment, not every program or appointment. Income taxes, parking and care costs are separate.

Evidence Michigan State resident graduate ratesMichigan State / Graduate Employees Union agreement
Ohio State individual premium support

University share of the individual premium for the specified eligible population.

Value
100 percent of premium
Year
Current handbook · September 2026
Population
Graduate associates ≥ 50% FTE
Period
Eligible insurance coverage period
Status / checked
Strong / 2026-10-03

Full authorization includes instructional, general, nonresident and technology fees. Do not infer that every possible charge is covered.

Evidence Ohio State graduate associate appointment policies
Cincinnati individual premium support

University share of the individual premium for the specified eligible population.

Value
100 percent of premium
Year
2026–27
Population
Eligible awards; minimum stipend, enrollment and annual application required
Period
Eligible insurance coverage period
Status / checked
Strong / 2026-10-03

Full individual premium award requires eligibility and annual application. Dependent coverage and care costs differ.

Evidence Cincinnati graduate health insurance award
Kent State individual premium support

University share of the individual premium for the specified eligible population.

Value
70 percent of premium
Year
2026–27
Population
Eligible graduate assistants in the published premium table
Period
Eligible insurance coverage period
Status / checked
Strong / 2026-10-03

Annual premium $3,032; department $2,122.40; GA $909.60, deriving 70% support. Prefer this year-specific table over the older graduate-aid summary's unresolved future wording.

Evidence Kent State student health insurance
Ohio University individual premium support

University share of the individual premium for the specified eligible population.

Value
60 percent of premium
Year
Current appointment handbook
Population
Eligible appointees receiving ≥ half the minimum stipend
Period
Eligible insurance coverage period
Status / checked
Strong / 2026-10-03

60% student premium subsidy for eligible appointments; this corrects the research archive's older zero-support lead. Complete residual fees not verified.

Evidence Ohio University appointment benefitsOhio University: student senate wins fee savings
Mandatory worker fees eliminated.

average annual savings reported

Value
2000 USD
Year
August 21, 2026
Population
Graduate student workers at SUNY state-operated campuses
Period
Annual average reported by state announcement
Status / checked
Strong / 2026-10-03

Worker eligibility matters; this is not a waiver for every SUNY graduate student.

Evidence New York announces SUNY worker fee elimination
A stipend floor tied to living costs.

nine-month minimum · 50% appointment

Value
28134 USD
Year
2026–27
Population
50% appointments; nine- and twelve-month minima
Period
Nine months
Status / checked
Strong / 2026-10-03

A concrete benchmark policy, not a claim that Knoxville and Toledo have identical costs.

Evidence Tennessee Knoxville 2025 stipend increaseTennessee Knoxville minimum stipend increase
Fee remission: low scenario

Hypothetical annual cost; not an audited appropriation estimate.

Value
944550 USD under assumptions
Year
2026–27 illustration
Population
Hypothetical 500–1,150 eligible assistants; not a verified UToledo headcount
Period
Fall and spring per assistant; annual program cost
Status / checked
Moderate / 2026-10-03
Calculation
1889.1 × 500

Fee scenario assumes every modeled assistant takes nine NSM credits each term with no existing remission. Health scenario assumes every modeled assistant needs the full university premium with no existing contribution. Neither is an audited cost estimate. Consolidated financial plan is not unrestricted academic spending.

Evidence UToledo graduate tuition and feesUToledo trustees endorse 2026–27 budget
Fee remission: high scenario

Hypothetical annual cost; not an audited appropriation estimate.

Value
2172465 USD under assumptions
Year
2026–27 illustration
Population
Hypothetical 500–1,150 eligible assistants; not a verified UToledo headcount
Period
Fall and spring per assistant; annual program cost
Status / checked
Moderate / 2026-10-03
Calculation
1889.1 × 1150

Fee scenario assumes every modeled assistant takes nine NSM credits each term with no existing remission. Health scenario assumes every modeled assistant needs the full university premium with no existing contribution. Neither is an audited cost estimate. Consolidated financial plan is not unrestricted academic spending.

Evidence UToledo graduate tuition and feesUToledo trustees endorse 2026–27 budget
Full individual premium: low scenario

Hypothetical annual cost; not an audited appropriation estimate.

Value
1300000 USD under assumptions
Year
2026–27 illustration
Population
Hypothetical 500–1,150 eligible assistants; not a verified UToledo headcount
Period
Fall and spring per assistant; annual program cost
Status / checked
Moderate / 2026-10-03
Calculation
2600 × 500

Fee scenario assumes every modeled assistant takes nine NSM credits each term with no existing remission. Health scenario assumes every modeled assistant needs the full university premium with no existing contribution. Neither is an audited cost estimate. Consolidated financial plan is not unrestricted academic spending.

Evidence UToledo graduate tuition and feesUToledo trustees endorse 2026–27 budget
Full individual premium: high scenario

Hypothetical annual cost; not an audited appropriation estimate.

Value
2990000 USD under assumptions
Year
2026–27 illustration
Population
Hypothetical 500–1,150 eligible assistants; not a verified UToledo headcount
Period
Fall and spring per assistant; annual program cost
Status / checked
Moderate / 2026-10-03
Calculation
2600 × 1150

Fee scenario assumes every modeled assistant takes nine NSM credits each term with no existing remission. Health scenario assumes every modeled assistant needs the full university premium with no existing contribution. Neither is an audited cost estimate. Consolidated financial plan is not unrestricted academic spending.

Evidence UToledo graduate tuition and feesUToledo trustees endorse 2026–27 budget
Recurring fees in the opening example

Two nine-credit terms in Natural Sciences & Mathematics incur these scheduled recurring fees.

Value
1889.1 USD
Year
2026–27
Population
Standard Natural Sciences & Mathematics enrollment; nine credits per term
Period
Fall and spring
Status / checked
Strong / 2026-10-03
Calculation
General fee: 1071.90 + Graduate miscellaneous service fee: 322.20 + College technology fee: 234.00 + Natural Sciences & Mathematics course fee: 261.00

No individual remission, course extras, optional charges, insurance, parking, taxes or penalties are assumed in this fee subtotal.

Evidence UToledo graduate tuition and fees
Fee share of the posted stipend

Recurring scheduled fees take this share of the gross stipend.

Value
10.79 percent of gross stipend
Year
2026–27 fees; posted stipend
Population
Posted starting Math PhD stipend; NSM enrollment, nine credits per term
Period
Fall and spring
Status / checked
Strong / 2026-10-03
Calculation
1889.10 ÷ 17500 × 100

Excludes the health premium, parking, taxes, optional and one-time charges.

Evidence UToledo graduate tuition and feesMathematics and Statistics graduate programs
Fees plus student health plan, as a share of the posted stipend

Recurring fees and the university student health premium together take this share of the gross stipend.

Value
25.65 percent of gross stipend
Year
2026–27 fees and premium; posted stipend
Population
Posted starting Math PhD stipend; NSM, nine credits per term; university plan with no employer contribution
Period
Fall and spring; spring premium includes summer coverage
Status / checked
Strong / 2026-10-03
Calculation
(1889.10 + 2600.00) ÷ 17500 × 100

A worker with other coverage or a departmental premium contribution has a different share; the calculator accepts both.

Evidence UToledo graduate tuition and feesMathematics and Statistics graduate programs
Posted stipend below UToledo's own non-tuition budget

UToledo's published non-tuition budget exceeds the gross posted stipend by this amount, before any deduction.

Value
7122 USD
Year
Budget page headed 2026–27; posted stipend
Population
Off-campus graduate student; posted starting Math PhD stipend
Period
Fall and spring
Status / checked
Moderate / 2026-10-03
Calculation
24622 − 17500

Gross comparison only. It is not added to fees or premiums: whether the budget's personal or transportation allowances overlap premiums or parking is unresolved.

Evidence UToledo cost of attendanceMathematics and Statistics graduate programs
Housing and food alone exceed the posted stipend

UToledo's housing-and-food allowance alone exceeds the gross posted stipend by this amount.

Value
740 USD
Year
Budget page headed 2026–27; posted stipend
Population
Off-campus graduate student; posted starting Math PhD stipend
Period
Fall and spring
Status / checked
Moderate / 2026-10-03
Calculation
18240 − 17500

Planning allowance, not a bill.

Evidence UToledo cost of attendanceMathematics and Statistics graduate programs
Fees plus full individual premium: low scenario

Hypothetical annual cost of remitting the opening fee package and covering the full premium for the same modeled population.

Value
2244550 USD under assumptions
Year
2026–27 illustration
Population
Hypothetical 500–1,150 eligible assistants; not a verified UToledo headcount
Period
Fall and spring per assistant; annual program cost
Status / checked
Moderate / 2026-10-03
Calculation
4489.10 × 500

Fee scenario assumes every modeled assistant takes nine NSM credits each term with no existing remission. Health scenario assumes every modeled assistant needs the full university premium with no existing contribution. Neither is an audited cost estimate. Consolidated financial plan is not unrestricted academic spending.

Evidence UToledo graduate tuition and feesUToledo trustees endorse 2026–27 budget
Fees plus full individual premium: high scenario

Hypothetical annual cost of remitting the opening fee package and covering the full premium for the same modeled population.

Value
5162465 USD under assumptions
Year
2026–27 illustration
Population
Hypothetical 500–1,150 eligible assistants; not a verified UToledo headcount
Period
Fall and spring per assistant; annual program cost
Status / checked
Moderate / 2026-10-03
Calculation
4489.10 × 1150

Fee scenario assumes every modeled assistant takes nine NSM credits each term with no existing remission. Health scenario assumes every modeled assistant needs the full university premium with no existing contribution. Neither is an audited cost estimate. Consolidated financial plan is not unrestricted academic spending.

Evidence UToledo graduate tuition and feesUToledo trustees endorse 2026–27 budget
Published non-tuition budget illustration

Housing and food, personal expenses, transportation and books/supplies total this amount.

Value
24622 USD
Year
Page headed 2026–27; finality unclear
Population
Off-campus graduate student, nine credits per term
Period
Fall and spring
Status / checked
Moderate / 2026-10-03
Calculation
18240 + 2633 + 2459 + 1290

Planning estimate. Remitted tuition and fees excluded. Source retains contradictory update wording.

Evidence UToledo cost of attendance
MSU fall/spring pay equivalent

The current biweekly minimum yields this approximate fall/spring equivalent.

Value
22659 USD
Year
2026–27
Population
Level 1, half-time teaching assistants
Period
Fall and spring
Status / checked
Moderate / 2026-10-03
Calculation
1162 × (9.857 + 9.643)

Approximate pay-period counts, not an individual offer. Half-time teaching assistants, not all research or excluded appointments.

Evidence Michigan State stipend ranges
MSU individual premium support

The agreement covers the individual health premium in full for covered employees.

Value
100 percent of individual premium
Year
2024–28 agreement
Population
Teaching assistants covered by the agreement
Period
Contractual coverage period
Status / checked
Strong / 2026-10-03

Deductibles and other care costs are separate; dependent coverage has different rules.

Evidence Michigan State / Graduate Employees Union agreement
Indiana historical stipend outcome

Indiana announced this minimum for Bloomington student academic appointees.

Value
22000 USD
Year
2022–23
Population
Bloomington student academic appointees
Period
Announcement effective July 1, 2022
Status / checked
Strong / 2026-10-03

Historical outcome; no claim that this remains the current minimum.

Evidence Indiana University announces stipend and fee changes
Indiana historical fee coverage

Indiana announced coverage of the mandatory graduate fees then paid by student academic appointees, plus course-specific fees.

Value
1435 USD
Year
2022–23
Population
Bloomington student academic appointees
Period
Historical annual fee figure
Status / checked
Strong / 2026-10-03

Documented policy outcome, not an independent claim about the causal effect of particular tactics.

Evidence Indiana University announces stipend and fee changes
Colorado State coverage: Spring 2023

The published phase-in plan provides this level of mandatory fee coverage.

Value
50 percent of mandatory fees
Year
Spring 2023
Population
Eligible contracted graduate teaching, research and support assistants
Period
Spring 2023
Status / checked
Strong / 2026-10-03

Fees funded through other budgets; eligibility is tied to contracted terms.

Evidence Colorado State graduate assistant fee coverage plan
Colorado State coverage: 2024–25

The published phase-in plan provides this level of mandatory fee coverage.

Value
75 percent of mandatory fees
Year
2024–25
Population
Eligible contracted graduate teaching, research and support assistants
Period
2024–25
Status / checked
Strong / 2026-10-03

Fees funded through other budgets; eligibility is tied to contracted terms.

Evidence Colorado State graduate assistant fee coverage plan
Colorado State coverage: 2025–26

The published phase-in plan provides this level of mandatory fee coverage.

Value
100 percent of mandatory fees
Year
2025–26
Population
Eligible contracted graduate teaching, research and support assistants
Period
2025–26
Status / checked
Strong / 2026-10-03

Fees funded through other budgets; eligibility is tied to contracted terms.

Evidence Colorado State graduate assistant fee coverage plan

Upcoming dates

The calendar on the History & dates page lists only dates published by UToledo’s Graduate Council, Graduate Student Association, Board of Trustees and budget office pages, checked on the date shown in the source register. Times and rooms appear only where the source lists them. Dates pass automatically when the site is rebuilt; a rebuild is needed for the list to advance.

Evidence Graduate Council 2026–27 agendas and minutesGraduate Student Association General AssemblyUToledo Board of Trustees meeting scheduleUToledo budget development

Corrections and changes

Report a source, calculation or accessibility problem to utoledogradfunding@gmail.com. Include the page and the claim you want checked, without sending unredacted personal records.

: Initial implementation and source review. Added structured fall/spring fee rules, separated charge categories, retained uncertainty in dated stipend and budget sources, and published selected policy comparisons. The website repository preserves detailed changes.